LKFN Stock Analysis: Buy, Sell, or Hold?
LKFN - Lakeland Financial Corp
$60.26
-0.18 (-0.30%)
▼
5d:
-3.57%
30d:
-1.41%
90d:
+0.12%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: LKFN shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: LKFN shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$72.10
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$44.77
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LKFN is currently trading at $60.26, which is considered oversold relative to its 30-day fair value range of $61.12 to $63.14. The stock's valuation (Forward PE: 13.4) is in line with its historical norms (13.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This pessimistic expectation contrasts with the company's recent 8.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LKFN is in a uptrend. The price is currently testing key support at $59.25. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 44/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $66.50 (+10.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LKFN is in a uptrend. The price is currently testing key support at $59.25. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 44/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $66.50 (+10.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$61.12 -
$63.14
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (44/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.50)
- WARNING: Composite score 51/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$61.12 -
$63.14
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$59.25
Resistance Level
$63.16
Current Trend
Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.37
Wall Street Target
$66.50
(+10.4%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
8.7%
Profit Margin
40.6%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
13.4 vs 13.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$60.14
(0%)
2-Year Target
$60.02
(0%)
3-Year Target
$59.90
(-1%)
3-Yr Target (if PE normalizes)
(PE: 13→14)
$60.49
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 2.9%)
$98.51
(+64%)
Base:
(SPY PE: 13.4, Growth: 2.9%)
$65.61
(+9%)
Bear:
(PE: 11.4, Growth: 2.9%)
$55.77
(-8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.77 | Current EPS (TTM): $4.39
Bull Case
$68.27
(+13%)
Analyst growth 2.7%, PE expands to 15.1
Base Case
$62.06
(+3%)
Market implied 2.7%, PE stable at 13.8
Bear Case
$41.10
(-32%)
Severe decline -20.0%, PE contracts to 11.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.4 to 13.5
Stabilization Target:
$60.86
(+1.0%)
PE Expansion Potential:
+1.0%
Share & Embed Analysis
Last updated: August 24, 2026 5:51 AM ET
Data refreshes hourly during market hours. Next update: 6:51 AM
Data refreshes hourly during market hours. Next update: 6:51 AM
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Technical Signals Check
Is LKFN showing a specific setup today?
Insider Activity (6 Months)
3
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
M Scott Welch
BUY
10000 shares
2026-03-12
M Scott Welch
BUY
5000 shares
2026-03-09
M Scott Welch
BUY
10000 shares
2026-02-27
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